I have meant to write about the subject for a long time but I never found the right time and occasion. Insurance for children, such a scary thought, yet something that could come in so handy if anything was to ever happen to them!
Back in 2014, when we had Georgie, we as a family had a basic health insurance which would have covered all of us in the event of serious illness. But the likelihood of illness clashed stringently with the joy of having a newborn in the house, and the added financial stress lead Alex to temporarily cancel it, within weeks of Georgie being born. Who thinks of illness, life-threatening conditions and death when they have just been handed this beautiful, new bundle of joy? We certainly didn’t and cancelling our health insurance seemed like a good idea, as it allowed some extra cash for those newborn nappies and cute little outfits…
Fast forward three and a half months to the moment we found ourselves, with the same wonderful bundle of joy, on the children’s cancer ward in Belfast. Our world came crashing down, in every single way. Unfortunately, our finances suffered severely as well and it was only due to Alex’s sheer determination and hard work and financial gifts from various friends that we didn’t end in deep financial arrears.
Had we kept our insurance, we would have been able to claim against our policy, from day one on that ward.
And this is the very reason I decided to write this post.
We now know that horrid things can happen to innocent children. Illness, accidents and even death can rob us of our children and in the process, not only drain every ounce of energy we have but also drain our bank accounts of every single penny we have saved. Cause in those desperate moments, we would give everything we have, even our lives, to make our ill children comfortable and pay for a cure, if there is any!
After Georgie’s death, we have been very careful and have set health and life insurance policies for all of us. And now, I am writing this post to urge all my readers to consider the unthinkable and the uncomfortable and set up a policy for the scary possibility of a child becoming severely ill or being involved in a serious accident.
Insure With Max was set by a wonderful man who knows the reality of serious illness in children as well as we do. His younger sister suffered for many years from a serious condition which ultimately lead to her death, but in the process, his family was deeply affected financially and in every other single way, just like ours was in 2014.
Unlike other insurances out there, Insure With Max caters exclusively for the case of an ill or seriously injured child, provides the parent with their take home salary within 30 days of a diagnosis for up to 12 months and renews annually, so no monthly fees or life long commitments to an expensive policy. Your actual premium will depend on the amount of your take home salary and the number and age of your children, subject to a minimum single premium £49.28 (incl. IPT) for a 12 month policy.
I would wholeheartedly recommend this insurance to every parent out there. It is inexpensive and flexible but most importantly, it can provide with that much needed financial reassurance in the case of illness or accident, allowing you in those tragic circumstances to take time off to look after your precious child, instead of desperately trying to make ends while your heart and soul are in a hospital room.
Alongside a prestigious group of mummy bloggers, I will be hosting a Twitter chat on Friday, 1st of July, between 11:15 a.m. and 12:00. Look us up under the hashtag #ChildMax and come and learn more about Insure With Max.